IME Child Money Back Plan (IME Bal Umanga)

Child-targeted money-back life plan to meet education and marriage needs. Survival benefits are paid in five instalments (20% each) starting four years before maturity; death benefits and bonuses apply.

• Survival benefits in five instalments of 20% each (paid starting 4 years before maturity) plus vested bonus
• Minimum Sum Assured: NPR 100,000
• Entry Age (Assured): 0–17 years (Age Last Birthday)
• Proposer Entry Age: 18–60 years (Age Nearest Birthday)
• Premium modes: Single, Yearly, Half-Yearly, Quarterly; Payment terms: Regular, Limited, Single
• Risk commencement: 2 years after policy start or when child completes 6 years (whichever later); if entry age ≥15 then 1 year
• Compulsory benefits on proposer death/total permanent disability: Premium waiver and Income Benefit
• Optional riders: Accidental Death, Lump-Sum, Funeral Expense

• Money-back structure targeted for child's education/marriage
• Five survival payouts of 20% each beginning 4 years before maturity
• Compulsory premium waiver and income benefit on proposer death/disability